{"id":10349,"date":"2025-07-15T13:34:50","date_gmt":"2025-07-15T13:34:50","guid":{"rendered":"https:\/\/functiontranslator.com\/splac-kapit\/"},"modified":"2021-02-26T05:07:01","modified_gmt":"2021-02-26T05:07:01","slug":"cumprinc","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/pl\/cumprinc\/","title":{"rendered":"SP\u0141AC.KAPIT"},"content":{"rendered":"

Funkcja SP\u0141AC.KAPIT (w wersji angielskiej jako CUMPRINC) pozwala u\u017cytkownikom na obliczanie ca\u0142kowitej sumy kapita\u0142u sp\u0142aconego w okre\u015blonym zakresie rat kredytu lub po\u017cyczki. Stanowi ona nieocenione narz\u0119dzie w sektorze finansowym, zw\u0142aszcza gdy istnieje potrzeba monitorowania post\u0119pu w sp\u0142acie zad\u0142u\u017cenia.<\/p>\n

Funkcja i jej sk\u0142adniki<\/h2>\n

Syntaksa funkcji SP\u0141AC.KAPIT w Excelu prezentuje si\u0119 nast\u0119puj\u0105co:<\/p>\n

SP\u0141AC.KAPIT(stopa_procentowa, numer_pierwszej_raty, numer_ostatniej_raty, warto\u015b\u0107_obecna, warto\u015b\u0107_przysz\u0142a, typ)<\/code><\/pre>\n
Poszczeg\u00f3lne sk\u0142adniki funkcji s\u0105 definiowane jako:<\/p>\n
    \n
  • stopa_procentowa<\/b> – oprocentowanie dla ka\u017cdego okresu p\u0142atno\u015bci.<\/li>\n
  • numer_pierwszej_raty<\/b> – numer pierwszej raty, od kt\u00f3rej rozpoczyna si\u0119 obliczanie sp\u0142aconego kapita\u0142u.<\/li>\n
  • numer_ostatniej_raty<\/b> – numer ostatniej raty, do kt\u00f3rej w\u0142\u0105cznie liczona jest sp\u0142ata kapita\u0142u.<\/li>\n
  • warto\u015b\u0107_obecna<\/b> – bie\u017c\u0105ca warto\u015b\u0107 po\u017cyczki lub inwestycji.<\/li>\n
  • warto\u015b\u0107_przysz\u0142a<\/b> – warto\u015b\u0107, jaka pozostanie z po\u017cyczki lub inwestycji po sp\u0142acie ostatniej raty.<\/li>\n
  • typ<\/b> – okre\u015bla timing p\u0142atno\u015bci (0 – na koniec okresu, 1 – na pocz\u0105tek okresu).<\/li>\n<\/ul>\n
    Przyk\u0142ady praktyczne<\/h2>\n
    Obliczanie sumy sp\u0142aconego kapita\u0142u<\/h2>\n
    Przyk\u0142ad: za\u0142\u00f3\u017cmy, \u017ce zaci\u0105gn\u0119li\u015bmy kredyt o warto\u015bci 100,000 z\u0142 na 30 lat (360 miesi\u0119cy) z oprocentowaniem rocznym wynosz\u0105cym 4%. Chcieliby\u015bmy obliczy\u0107, ile kapita\u0142u sp\u0142acimy w pierwszych 5 latach (60 miesi\u0119cy).<\/p>\n
    =SP\u0141AC.KAPIT(4%\/12, 1, 60, 100000, 0, 0)<\/code><\/pre>\n
    W tym przypadku 4%\/12<\/code> to miesi\u0119czna stopa procentowa, 1<\/code> to numer pierwszej raty, 60<\/code> to numer ostatniej raty w danym okresie, 100000<\/code> to warto\u015b\u0107 obecna po\u017cyczki, 0<\/code> to przysz\u0142a warto\u015b\u0107 kredytu po up\u0142ywie tego czasu, a 0<\/code> wskazuje na p\u0142atno\u015bci dokonywane na koniec okresu.<\/p>\n
    Analiza wp\u0142ywu wcze\u015bniejszych sp\u0142at na redukcj\u0119 g\u0142\u00f3wnego d\u0142ugu<\/h2>\n
    W innym scenariuszu, przyjmijmy \u017ce mamy po\u017cyczk\u0119 o warto\u015bci 200,000 z\u0142, z terminem sp\u0142aty 10 lat i oprocentowaniem rocznym 6%. Zainteresowani jeste\u015bmy efektem wcze\u015bniejszego rozpocz\u0119cia sp\u0142at, np. p\u00f3\u0142 roku przed planowanym terminem.<\/p>\n
    =SP\u0141AC.KAPIT(6%\/12, 1, 120, 200000, 0, 1)<\/code><\/pre>\n
    Tutaj 6%\/12<\/code> oznacza miesi\u0119czn\u0105 stop\u0119 procentow\u0105, 1<\/code> to numer pierwszej raty, 120<\/code> to numer ostatniej raty, 200000<\/code> to obecna suma po\u017cyczki, 0<\/code> to warto\u015b\u0107 przysz\u0142a, a 1<\/code> oznacza p\u0142atno\u015bci na pocz\u0105tku okresu.<\/p>\n
    Takie analizy s\u0105 niezwykle cenne dla os\u00f3b planuj\u0105cych przedterminow\u0105 sp\u0142at\u0119 kredytu, pomagaj\u0105c zrozumie\u0107, ile kapita\u0142u mog\u0105 one realnie zmniejszy\u0107 dzi\u0119ki takim p\u0142atno\u015bciom.<\/p>\n","protected":false},"excerpt":{"rendered":"
    Zwraca warto\u015b\u0107 kapita\u0142u skumulowanego sp\u0142aty po\u017cyczki mi\u0119dzy dwoma okresami<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[424],"tags":[],"class_list":["post-10349","post","type-post","status-publish","format-standard","hentry","category-finansowe"],"acf":[],"yoast_head":"\nFunkcja CUMPRINC (SP\u0141AC.KAPIT) w Excelu \u2013 jak dzia\u0142a, przyk\u0142ady u\u017cycia i sk\u0142adnia<\/title>\n<meta name=\"description\" content=\"Opis funkcji CUMPRINC (SP\u0141AC.KAPIT) w Excelu. 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